Terms & Conditions

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Please note that your use of and access to the services (as defined below) are subject to the following terms; if you do not agree to all of these terms, you may not use or access the services in any manner. These Terms of Use (these "Terms") represent an agreement between you and Crystal Saver Limited. ("CrystalSaver") and contain the terms and conditions governing your use of and access to our website at https://www.crystalsaver.com. "You" and "your" mean the person who uses or accesses the Services. "We," "us," and "our" mean CrystalSaver and its successors, affiliates, and assignees. As used in these Terms, "Crystal Saver Account" means the account you have with us for the Services. Your use of and access to the Services are subject at all times to these Terms and our Privacy Policy. Please read these Terms and our Privacy Policy carefully. By using or accessing the Services, you represent that you have read and understood these Terms and our Privacy Policy and you agree to be bound by these Terms and our Privacy Policy. If you do not agree to all the terms and conditions of these Terms and our Privacy Policy, do not use or access the Services. These terms include, among other things, your authorization for debits and credits from and to your bank account (as defined below) via the automated clearinghouse network ("Ach") and a binding arbitration provision containing a class action waiver.

Document effective 1 December, 2021

By visiting and signing up on this site, you accept our terms and conditions of service.


Crystal Saver Limited (“CrystalSaver”) is a registered company with the CAC Commission in Nigeria as a fund/portfolio manager. CrystalSaver provides an automated savings platform available online and through mobile applications. This agreement will be effective on your acceptance of its terms electronically or otherwise through the platform.

As our client, we will help manage your savings and investment on your behalf in a low-costapproach to maximize your returns (the “Services”)

When you access our website at www.crystalsaver.com and/or our mobile applications ("our website" (which includes our blog), "our app") as a User and Client, you're agreeing to be bound by the following Terms of Use Please take time to read them.

1 - Obligations

In order to use the Services, you must:

I. Accept and agree to these Terms and our Privacy Policy;

II. You must be 18 or older to access our website or mobile applications. Any access to or use of Crystalsaver by anyone under 18 is unauthorized, unlicensed, and in violation of these Terms of Use. By accessing or using CrystalSaver, you represent and warrant that you are 18 or older.

III. Have a Bank Account with a Nigerian financial institution; and

IV. Provide all information requested by us, such as your name, email address, mobile device number, online credentials for your Bank Account, and such other information as we may request from time to time (collectively, "User Information").

V. In order to access certain features of Crystalsaver, you must register to create an account ("User Account"). When you register, you will be asked to choose a password, which you will be required to use to access your User Account.

VI. All information and documents obtained by CrystalSaver or its employees, consultants or agents which are not published or otherwise publicly available shall be kept confidential and not disclosed to third parties or the public. You hereby acknowledge receipt of and consents to CrystalSaver’s privacy policy. For our compliance purposes and in order to provide the Services to you, you hereby authorize us to, directly or through a third party, obtain, verify, and record information and documentation that helps us verify your identity and Bank Account information. When you register for the Services and from time to time thereafter, we may require you to provide and/or confirm information and documentation that will allow us to identify you, such as:A copy of your government-issued photo ID, such as National Identity Number (NIN), a passport or driver’s license, with your name and Nigerian street address on it; and Such other information and documentation that we may require from time to time. By using the Services and providing User Information to us, you automatically authorize us to obtain, directly or indirectly through our third-party service providers and without any time limit or the requirement to pay any fees, information about you and your Bank Account from the financial institution holding your Bank Account and other third-party websites and databases as necessary to provide the Services to you. For purposes of such authorization, you hereby grant CrystalSaver and our third-party service providers a limited power of attorney, and you hereby appoint CrystalSaver and our third-party service providers as your true and lawful attorney-in-fact and agent, with the full power of substitution and resubstitution, for you and in your name, place, and stead, in any and all capacities, to access third-party websites, servers, and documents; retrieve information; and use your User Information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN Crystalsaver OR OUR THIRD-PARTY SERVICE PROVIDERS ACCESS AND RETRIEVE INFORMATION FROM SUCH THIRD-PARTY WEBSITES, Crystalsaver AND OUR THIRD-PARTY SERVICE PROVIDERS ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that other third parties shall be entitled to rely on the foregoing authorization, agency, and power of attorney granted by you. You understand and agree that the Services are not endorsed or sponsored by any third-party account providers accessible through the Services. We make no effort to review information obtained from the financial institution holding your Bank Account and other third-party websites and databases for any purpose, including, but not limited to, accuracy, legality, or non-infringement. As between CrystalSaver and our third-party service providers, CrystalSaver owns your confidential User Information. The information you provide us is subject to our Privacy Policy.

How do I use the Services?

The purpose of the Services is to try to help you save money with minimal effort. We debit your debit card (the amount you specify). You can request for your savings at any time or day. Only funds from your debit card may be transferred to your Crystalsaver Account. The funds in your Crystalsaver Account are held at a bank for your benefit. Your funds will remain in your Crystalsaver Account until you instruct us to transfer any or all of your funds from your Crystalsaver Account to your Bank Account by proceeding to withdrawal on our app or website. We will generally transfer the requested funds from your Crystalsaver Account to your Bank Account within Two Hours of when we receive your request. It is important to know the amount of available funds in your Crystalsaver Account before instructing us to transfer funds from your Crystalsaver Account to your Bank Account. We may also transfer funds from your Crystalsaver Account to your Bank Account without notice to you upon the closure of your Crystalsaver Account as described below and at any time if required by applicable law or if we, in our sole discretion, suspect the Services are being used for illicit purposes or otherwise in violation of these Terms.

Interest policy

We offer 0.1% daily interest on your balance. Access your funds and withdraw anytime with no fees for life.


You hereby undertake to defend, indemnify and hold harmless the Crystalsaver their directors, officers, employees, agents, successors or assigns from and against any and all claims, losses, damages, liabilities, costs and expenses (including but not limited to reasonable legal fees) while acting in accordance with the terms of this Agreement and that are not a direct result of a breach of the terms herein state, bad faith, negligence, and material violation of applicable laws. Crystalsaver shall not be liable for any loss affecting the assets held by it on behalf of the Client, where such losses are the result of unforeseen adverse market conditions, government restrictions, exchange or market rulings or suspension of saving. Crystal saver shall not be liable for any act or failure to act by any third party


Each of us can end this agreement at any time, subject to the maturity of all plans. We may terminate or suspend your access to Crystalsaver, at any time with prior notice to you if your account is found to be fraudulent. We will fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone posting, publishing, or otherwise making available any User information, emails, or other materials that are believed to violate these Terms of Use. Any suspension, termination, or cancellation shall not affect your obligations to Crystalsaver under these Terms of Use (including but not limited to ownership, indemnification, and limitation of liability), which by their sense and context are intended to survive such suspension, termination, or cancellation.

General Terms

In the event that any provision in these Terms of Use is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. The failure of a party to enforce any right or provision of these Terms of Use will not be deemed a waiver of such right or provision. You may not assign this Agreement (by operation of law or otherwise) without the prior written consent of Crystalsaver, and any prohibited assignment will be null and void. Crystalsaver may assign this Terms of Use Agreement or any rights hereunder without your consent. The relationship of the parties under these Terms of Use is that of independent contractors, and these Terms of Use will not be construed to imply that either party is the agent, employee, or joint venture of the other. Note that if you elect to become a Client, the relationship of the parties will be governed by these Terms of Use, our Privacy Policy and any additional terms to which you agree when you create and fund an investment account. We reserve the right to change this Agreement by posting a revised Terms of Use and we agree that changes cannot be retroactive. If you don't agree with these changes, you must stop using Crystalsaver


This Agreement, together with the Crystalsaver's Privacy Policy and Client Agreement (if applicable) form the complete and exclusive agreement between you and Crystalsaver with respect to your use of our website and mobile app, and other subject matters contemplated by this Agreement, superseding and replacing any and all prior or contemporaneous agreements, communications, and understandings, both oral and written, regarding that subject matter By accepting these terms and executing this Agreement, you further agree and acknowledge that these Terms of Use and the rules, restrictions, and policies contained herein, and Crystalsaver's enforcement thereof, are not intended to confer and do not confer any rights or remedies on any person other than you and Crystalsaver

Contact Us

If you have any questions about this Privacy Policy, please contact us at:info@crystalsaver.com